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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,153 | $68,412+14.2% | $94,679-17.5% | $75,181+4.0% |
| Participation rate | 96.3% | 76.1%+20.2pp | 80.8%+15.5pp | 67.2%+29.1pp |
| Annual return | 16.39% | 616.91%-600.5pp | 156.75%-140.4pp | 160.69%-144.3pp |
| Employer contribution / active EE | $2,519 | $2,701-6.7% | $3,673-31.4% | $2,671-5.7% |
| Participant deferral / active EE | $4,995 | $6,537-23.6% | $7,417-32.7% | $4,126+21.1% |
| Admin fee / account holder | $11,174 | $5,326+109.8% | $7,233+54.5% | $5,650+97.8% |